Minimum Coverage Requirements in Indiana
Indiana requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Drivers with DUI convictions, multiple violations, license suspensions, or uninsured accidents typically face SR-22 filing requirements from the Indiana Bureau of Motor Vehicles (BMV). The SR-22 filing period lasts 3 years from the date of reinstatement, and any lapse triggers a restart of the entire requirement period. High-risk drivers should carry coverage above state minimums, as liability-only policies at 25/50/25 leave significant personal exposure after at-fault accidents.
How Much Does Car Insurance Cost in Indiana?
High-risk insurance rates in Indiana vary significantly by violation type, with DUI convictions typically increasing premiums 80–150% and multiple moving violations adding 40–90%. SR-22 drivers pay $200–$400/mo for liability-only coverage and $250–$500/mo for full coverage, compared to $80–$140/mo for standard-risk drivers. Non-standard carriers dominate this market, and rates depend heavily on how long ago the violation occurred, whether you've had lapses, and your current credit tier.
What Affects Your Rate
- Violation type and severity: DUI adds 80–150%, reckless driving 50–80%, multiple speeding tickets 40–70%
- Time since violation: rates drop 20–40% after 3 years violation-free, 50–70% after 5 years
- SR-22 filing duration remaining: carriers price higher risk in year 1, moderate in year 2–3
- Number of lapses: each lapse and SR-26 filing adds 15–30% to next policy premium
- Credit tier: non-standard carriers heavily weight credit scores, with poor credit adding 30–60% to high-risk base rates
- Urban vs. rural location: Indianapolis and Fort Wayne drivers pay 15–25% more than rural Indiana counties due to accident frequency
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Required for SR-22 filing and the legal foundation of any Indiana auto policy.
SR-22 Insurance
Certificate filed by your carrier with the Indiana BMV proving continuous coverage. Required for DUI, suspensions, and uninsured accidents.
Non-Standard Auto Insurance
Specialized policies for drivers declined by standard carriers due to DUI, violations, lapses, or SR-22 requirements.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient limits. Optional in Indiana but critical for high-risk drivers with elevated premiums.
Full Coverage
Liability plus comprehensive and collision. Required by lenders and recommended for vehicles worth more than $5,000.
Collision Coverage
Covers damage to your vehicle in an at-fault accident. Paired with comprehensive to form full coverage.
